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344 E 120th St, New York, NY, 10035

8beds
4baths
4,560sqft
$1,999,000
$438price/sqft
$15,987/moest. monthly cost
$639,480/yrincome needed

About This Home

Solid brick three-family townhouse in the heart of East Harlem, featuring a rare ground-floor & first-floor duplex plus two additional spacious apartments. This approx. 4,560 sq ft building sits on a 2,018 sq ft lot and offers custom-built interiors with high ceilings, tall windows, and solid wood doors throughout. Each apartment feels oversized, and the main duplex enjoys direct access to a charming private backyard on the garden level, while the first floor opens to an extra-large rear balcony—perfect for outdoor dining, gardening, or relaxing. This is a truly unique property with tremendous appeal for both end-users and investors. Located on East 120th Street in vibrant East Harlem, you’re moments from multiple transportation options: the 4/5/6 subway lines at 116th Street and 125th Street, plus the Harlem–125th Street Metro-North station for quick access to Westchester and Connecticut. Nearby bus lines along 1st, 2nd and 3rd Avenues connect you easily across ManhattanNearby bus lines along 1st, 2nd and 3rd Avenues connect you easily across Manhattan. Enjoy neighborhood conveniences all around you—local favorites like The Good Good and Sylla on Park Avenue, as well as Harlem dining destinations such as Red Rooster, Barawine, Lido, Amor Cubano and more just a short ride away. Outdoor lovers will appreciate being close to Harlem Art Park at East 120th Street, along with other revitalized East Harlem parks and playgrounds, bringing upgraded green space, play areas, seating and landscaping to the community. Whether you’re looking to live in one unit and collect rent from the others, or hold a solid brick three-family in a fast-growing Manhattan neighborhood, 344 East 120th Street offers space, character, outdoor areas and excellent access to transportation, parks, restaurants, and everything Harlem has to offer.

Getting Around

96
WalkingWalker's Paradise
100
TransitRider's Paradise
84
BikeVery Bikeable

Schools

2/10
PS 96 Joseph LanzettaGrades PK-80.2 mi

Construction

Condition

  • Year built: 1899

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 8
  • Bathrooms: 4
  • Full bathrooms: 4

Interior Area

  • Total structure area: 4,560
  • Total interior livable area: 4,560 sqft

Property

Details

  • Parcel number: 017960035
  • Special condition: Resale

Features

  • Patio & porch: Terrace,Other
  • Exterior features: Courtyard,Balcony,Garden,Terrace
  • Has view: Yes
  • View description: Park/Greenbelt

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Cold Wave
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in New York County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $10,108$121,296
Home Insurance *$1,272$15,264
Property Taxes $3,854$46,248
Electricity $753$9,042
Total$15,987$191,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$548,125/yr
40% on housing$479,610/yr
45% on housing$426,320/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 2.0%
2.0%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$438This listing

vs Other Active Listings

Avg $/sqft

ZIP 10035$610
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10035$999
New York County$1,203

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-05Price change$1,899,000
2026-04-01Price change$1,999,000
2025-12-03Listed for sale$2,250,000
1999-12-13Sold$260,000

For Sale by Agent

AgentMohammad Rahman
BrokerageMax It Realty

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